I am sure I have heard of a "cooling off" period for insurance policies; i.e. if you take out an insurance policy and then decide it is not for you (for whatever reason) then you can cancel it and get your money refunded.
Is that the case, or am I stuck with it?
The reason I ask is that I am due to renew insurance (today!!) for my motorbike. I found a substantial saving with Swinton. Did it on-line and made my first payment (it's only a tenner). It's only after you have done that, that the cheeky bar stewards tell you that you now need to set up a direct debit with them to pay the outstanding amount over 10 months.
Then comes the bit that has really peed me off.... They then take another 2 monthly payments as a "deposit" for NEXT years policy!! It will be refunded if you don't renew with them, but don't you just know you are going to have to jump through several hoops and make several frustrating phone calls to their premium rate call centre to get YOUR money back
.
So bottom line is; I want to tell them where to shove it, and get my tenner back. Reading through the policy they say that if I cancel now I will have to pay a £15 admin fee. They can sing for that too. Gits; never again.....
Is that the case, or am I stuck with it?
The reason I ask is that I am due to renew insurance (today!!) for my motorbike. I found a substantial saving with Swinton. Did it on-line and made my first payment (it's only a tenner). It's only after you have done that, that the cheeky bar stewards tell you that you now need to set up a direct debit with them to pay the outstanding amount over 10 months.
Then comes the bit that has really peed me off.... They then take another 2 monthly payments as a "deposit" for NEXT years policy!! It will be refunded if you don't renew with them, but don't you just know you are going to have to jump through several hoops and make several frustrating phone calls to their premium rate call centre to get YOUR money back

So bottom line is; I want to tell them where to shove it, and get my tenner back. Reading through the policy they say that if I cancel now I will have to pay a £15 admin fee. They can sing for that too. Gits; never again.....